CONFIDENTIAL COMMUNICATION July 18, 2016 Revdex.com of Minnesota ...
# [redacted] Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a promotion code she would like to use in relation to her WebBank/Fingerhut Advantage Account. Ms. [redacted] states she is unable to apply promotion coupon ‘NC466’ for $50.00 off a $200 or above order, for which she qualifies according to its advertising on the Fingerhut website for those who, like herself, are new customers. She states a representative she contacted via web chat service confirmed she was eligible to use the code and advised her to call customer service to apply it to her order. Ms. [redacted] wants a stronger assurance she will be given the coupon discount and wants to avoid a further “run around.” Our records confirm that the discount Ms. [redacted] refers to of ‘NC466’ is a valid promotional code with us. It is difficult to determine what exactly caused the code to be rejected when Ms. [redacted] applied it during the web checkout process, since it appears she met the eligibility requirements of placing an order totaling at least $200, applying for her account on the Fingerhut website, and placing her order before the code’s expiration date of June 30, 2016. On July 18, 2016, a customer service representative called Ms. [redacted] to assist her with the order and applying the discount. The representative spoke with a third party and left a message advising that Ms. [redacted] should call our Customer Service Department at ###-###-#### to place her order so that the discount could be applied. Ms. [redacted] should not encounter any difficulty when she calls customer service to place her order as her account is clearly noted that we will honor the ‘NC466’ promotional code. As a reminder, the order total must be a minimum of $200 before we can apply the $50 discount to it. We appreciate Ms. [redacted]’s ongoing patience and cooperation with us in working to resolve this matter. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Gettington credit account ending in [redacted]. We have included a statement of account activity and a copy of the Terms and Conditions. Mr. [redacted] states that he had an account with Gettington, paid the account in full and the account is still showing as derogatory on his credit report. Mr. [redacted]’s desired resolution is to have the account removed from his credit report. Our records indicate, on December 17, 2014, an application was processed over the internet using Mr. [redacted]’s personally identifiable information. On that same day, an order was placed online for a Huffy Spider-Man Lights & Sounds Trike, Fila Misses’ Shimmer Jacket, CHI Air Texture 1-1/2" Ceramic Curling Iron, RoseArt Magic Fun Dough Volcano Playset, MD Sports Tabletop Air Hockey Game, Fisher Price Dora the Explorer Backpack, Sesame Street Color ’n Play Giant Playhouse, and a Skyrocket SkyViper QuadCopter. The merchandise was shipped via UPS to the same address as on the application. We have received multiple payments on this account from a checking account ending in 1812 and a MasterCard debit card ending in 1598 both shown in the name of Nick [redacted]. The last payment, totaling $49.02, was received on September 30, 2015. As no further payments were received, the unpaid balance of $561.97 charged off on May 5, 2016 and the account was sold to Resurgent Capital Services on June 1, 2016. According to an account review completed on April 7, 2017 Experian and Trans Union are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero. Equifax is no longer reporting a trade line. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Mr. [redacted] has questions about what Resurgent Capital Services may be reporting, he may contact them directly at ###-###-####. ...⇄ Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
[redacted] CONFIDENTIAL COMMUNICATION April 11, 2016 Revdex.com of Minnesota Attn: [redacted] ...⇄ 220 S. River Ridge Circle Burnsville, MN 55337 Re: Mr. [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to a second inquiry received from your office on behalf Mr. [redacted] regarding a WebBank/Fingerhut credit account. Enclosed are a statement of account activity, credit application and Terms and Conditions. Mr. [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit report. Mr. [redacted] further states that there is inaccurate information being reported to the credit bureaus. Mr. [redacted]’s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit report. As stated our initial response, an application was processed online June 17, 2006 with Mr. [redacted]’ name, address and social security number. An order was placed online September 8, 2010 for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, 38. The merchandise was shipped September 9, 2010 via FedEx to [redacted] Wheatland, IN 47597. No payments were made on this account. The unpaid balance of $187.81 charged off on April 17, 2011 and the account was sold to Jefferson Capital Systems on August 2, 2012. Fingerhut is no longer collecting on this account. An account review on March 17, 2016 confirmed that Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance of zero. Nothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 2013. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]’ Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Mr. [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-####. As Mr. [redacted] continues to allege he has no knowledge of this account, we referred this matter to our Credit Risk Department for further review. As a result of their investigation, a police report is required in order to contact a full fraud investigation. To date, we have not received a completed police report regarding this matter. Mr. [redacted] may send the police report to the following address: Fingerhut Attn: Fraud Department [redacted] St. Cloud, MN 56303 Mr. [redacted] may also fax the police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account. If Mr. [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut FreshStart Account. Ms. [redacted] indicates she placed an order for a zebra print chair and upon receiving it there was a cut in the fabric of the chair and the Styrofoam was leaking out into the box. Ms. [redacted] states she contacted Fingerhut to resolve the issue and was advised she could return the item with the shipping label that was provided within 30 days. Ms. [redacted] indicates the item was a gift. Ms. [redacted] is requesting expedited shipping on the exchange. Our records indicate Ms. [redacted] contacted us on December 27, 2016 and advised us the item was received damaged and requested a package to return the item in as she no longer had the original shipping carton. This item shipped directly to Ms. [redacted] for our vendor. Ms. [redacted] was advised we have no way of sending packing materials for her to return the item in and explained she could use a different box to return the item in. The agent also advised we were unable to do an exchange for the item because it is out of stock. We sincerely apologize for any inconvenience this may have caused. Once the return is received full credit will be issued for the chair. The credit will be reflected on her monthly statement within 1-2 billing cycles after the return is received. Ms. [redacted] should continue making payments according to her monthly billing statement for the item she is not returning. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
2017 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he did not receive ordered merchandise from Fingerhut as it was delivered to an incorrect address. Mr. [redacted]’s desired outcome is to have the merchandise credited to his account. Our records indicate Mr. [redacted] purchased a Cra-Z-Art The Real 2-in-1 Ice Cream Maker, Cra-Z-Art Shimmer ’n Sparkle Salon-Style Manicure & Pedicure Set, Kurio Xtreme 2 7" Touch Screen 16GB Android Tablet - Blue, C15150M, and a HP Pavilion x2 10.1" HD Touch Screen 2GB Windows 10 2-in-1 Laptop/Tablet Computer - Silver, 10P010NR on October 15, 2016. On October 28, 2016 Mr. [redacted] contacted Fingerhut stating he did not receive the merchandise he ordered. The laptop/tablet was delivered on October 18, 2016, and all other items were delivered on October 25, 2016 to [redacted] Palmdale, CA 93552. Mr. [redacted] did receive an email response from us in which the first two digits of Mr. [redacted]’s house number were omitted in error from the delivery address. We apologize for that error. When a customer states they have not received ordered merchandise, Fingerhut has policies and procedures in place in order to conduct an investigation. On October 30, 2016, a legal affidavit was mailed to Mr. [redacted] for him to complete and return. It was also explained in this document due to the monetary value of the merchandise a police report would be required to investigate this matter further. We received the completed affidavit on November 14, 2016, however the requested police report was not included with this document. On December 12, 2016 Mr. [redacted] states he was unable to provide a police report. He was then informed he may supply the name of the agency, officer’s name, badge number, and the case number. Mr. [redacted] was able to provide an officer’s last name, the name of the agency and phone number, however this is not enough information for us to investigate. On January 17, 2017 an agent contacted the agency, but was unable to speak to an officer based on the information provided. As we understand the severity and urgency of this situation, Mr. [redacted] may call us to provide the officer’s name and badge number at ###-###-####. He may leave the information in a voicemail if needed. Alternatively, he can email the information to us by vising www.fingerhut.com/customerservice. Once we receive the requested information we will investigate this matter further. If Mr. [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
CONFIDENTIAL COMMUNICATION June 21, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states although she made the payment on her account the late fee was not removed as promised. She also states Fingerhut does not communicate clearly and does not operate in a professional manner. Ms. [redacted] states she did not receive e-mails from Fingerhut stating her payment amount was going to change. As we have stated previously, each month Ms. [redacted]’s payment is due by the 3rd. On December 4, 2015 Ms. [redacted] set up recurring payments of $35.00 to be withdrawn each month on the 3rd. This schedule was setup online was to begin on January 3, 2016. On March 14, 2016 Ms. [redacted] purchased a Nintendo Wii U 32GB Console & Mario Kart 8 Deluxe Bundle for $420.98. As a customer’s balance increases the minimum amount due will also increase. As Ms. [redacted] would have seen on her statement printed and mailed to her on April 7, 2016 her minimum amount due increased to $46.99. This would have been the responsibility of Ms. [redacted] to ensure the correct minimum amount due was being paid each month. Ms. [redacted] addresses she did not receive notification of her balance increase. Again, it is the responsibility of our customers to keep their personal contact information updated for our records. Ms. [redacted]’s May payment of $35.00 did not satisfy the minimum amount due. This resulted in a $27.00 late fee on her account. As a onetime courtesy to Ms. [redacted] we have waived the $27.00 late fee on June 20, 2016. The customer must call us to increase the monthly recurring payments if the amount due has increased. Ms. [redacted] may contact us to set up recurring payments so her minimum payment will always be made or she may sign in to the account, located in the top center of the web page at www.fingerhut.com. Click on “My Account” at the top center of the webpage. Then click on “Payments” in the “My Account” page and follow the instructions. If Ms. [redacted] is unable to access her account online, please call our Customer Service Department at ###-###-####, Monday through Friday, 8 a.m. to 8 p.m. Central Time to make this change. At this time the current balance on Ms. [redacted]’s account is $725.63. A minimum payment of $46.99 is due by July 3, 2016. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry she states she has been using the same bank account to make her payments with us for the last three years. She indicates that for the last two months we have advised her that her bank reversed the payments she has made on her Fingerhut account. Ms. [redacted] also states that due to the issue with the payments, we are reporting her 60 days delinquent to the credit reporting agencies. Ms. [redacted] would like us to update the information being reported on her credit file. Our records indicate Ms. [redacted] called in to make a payment on May 2, 2016 in the amount of $17.00. When we attempted to present the payment to Ms. [redacted]’s financial institution, they returned the payment to us as “unable to locate account/no account.” Based on our research of Ms. [redacted]’s account we verified the routing number and at least the last four digits of her bank account number matched the information she previously provided to us and which had resulted in successful payments. On May 16, 2016 Ms. [redacted] attempted to make a payment of $25.98 using the same bank account information. This payment was also returned to us by Ms. [redacted]’s financial institution as “unable to locate account/no account.” On June 18, 2016 we received a payment by mail in the amount of $150.07 which paid Ms. [redacted]’s account in full. Her monthly billing statement printed on July 6, 2016 and reflects a zero balance on her account. Unfortunately, we do not know the specific reasons why Ms. [redacted]’s bank did not accept the payments. Occasionally financial institutions may change their routing number or make other changes to their information that can result in a payment being returned as “unable to locate account/no account.” If Ms. [redacted]’s bank was unable to locate her account with the information she provided, it is reasonably understandable that the financial institution would have no record of the payment attempt on her account. We strongly suggest that Ms. [redacted] contact her financial institution for further assistance regarding the concerns she has with the two payments that were returned. Additionally, if Ms. [redacted] can send us verification from her financial institution that there were no changes made to her account or to any of the bank routing numbers or banking information we will further investigate this situation. Ms. [redacted] may forward any pertinent information to Fingerhut Executive Care Team Attn: Becky [redacted] St. Cloud, MN. 56303 or to expedite she may fax it to ###-###-####. Ms. [redacted] should include her 10-digit cr for her Fingerhut account with any correspondence or fax so we can locate her Fingerhut account. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION September 20, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he would like to receive a refund for the chairs he had to additionally purchase with his patio set. As we have stated previously, Mr. [redacted] purchased an alcove Harper 5-pc. Patio Dining set on August 16, 2016. We received notification from Mr. [redacted] on August 25, 2016 he only received the table. At this time he was told the product was advertised in error and the price only included the table. He was then told he could return the item for full credit or Fingerhut would credit the price difference on the chairs. On September 6, 2016 Mr. [redacted] ordered an alcove Harper 4-pk. Patio Chair Set. The price difference, as discussed, of $46.65 was credited to his account. After further reviewing Mr. [redacted]’s account, as a courtesy we have credited the price of the alcove Harper 4-pk. Patio Chair Set to his account. He will be able to see this credit on his next statement. If Mr. [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: this is the same I heard from customer service. It was unacceptable then and its unacceptable now. When I first spoke to Haband in Feb 2018, the order from Dec 2017 had NOT been entered in my account. They...
couldn't find it and either did I. Once I spoke to someone the order surprisingly appeared. My first call was about returning the double shipment they sent. 1. I ordered 2 flannel shirts from a sale flyer you mailed to me. The answer is wrong the has been received . I ordered . A. RED & BLACK FLANNEL AND B. WHITE & BLACK FLANNEL. The records that have been entered ARE WRONG, INCLUDING THE PRICES. 2. I've been ordering things from both Haband and Blair for over 30 yrs. I know how the prices run and how the sales are sent. I don't have my order because it came in the mail separate from your catalog. I couldn't order it on line because of the SALE PRICE ON THE FLYER . So I filled out the little order form and mailed it in. 3. A month later I received a card asking me what colors did I order. I sent it back, RED/BLK, WHT/BLK. I guess they lost it because I received 2 more. When I did hear anything I called and I was told the hasn't processed yet. They didn't see it in the computer. I told him, once again what colors I wanted. 3. There is no wht flannel shirt as you say I ordered. That must be entered wrong too. I was told the only wht flannel is why/blk. So again the answer we received from the company is wrong, again. 4. Then I received the dress shirt and the wht/blk flannel shirt. A few days later I received another shippment, I assumed the red/blk. Nope, it was the same shirt. I called, they said to return it and they would ship out the right one, I cancelled that shirt. I was told also, I'd be credited for the return fee of $9.99, hence the first credit on my account. When I cancelled the red one, I was told it would be credited since I cancelled. She said $9.99 . I told her that wasn't the price and the credit would be to high. That's when I found out they PUT THE WRONG PRICE IN THE COMPUTER. 5. This order was screwed up from day one. The only reason I ordered was the price was good . The dress shirt is $8.97, the flannel is $5.97. I didn't pull these numbers out of the air, check your clearance flyers from Dec. You must have a record of what you mailed. 6. At this point I'm disgusted. Either the company honor their sale flyer or, I will return the 2 shirts I wanted. WITH NO RETURN FEE . My belief is the people that handle the orders need more training, they make to many mistakes.
2016 ...⇄ Revdex.com of Minnesota �...⇄ [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he was told a $37.00 late fee would be removed from his account. He states he was told as a courtesy Fingerhut would waive a late fee every 12 months being he has never had a late fee. Mr. [redacted] states a late fee of $6.99 was waived. His desired resolution is to have his balance adjusted and be credited for two months due to poor customer service. We were able to locate the chat transcript Mr. [redacted] had with a representative on July 17, 2016. During this conversation the representative correctly advised Ms. [redacted] we would waive the $6.99 late fee assessed on June 20, 2016 as a one-time exception. We have no record of Mr. [redacted] being told we would waive more than the $6.99 late fee. Upon opening an account with Fingerhut, Mr. [redacted] agreed to the terms and conditions. Within these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of up to $27.00. The maximum amount will increase to $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles.” We received a payment in the amount of $6.99 from Mr. [redacted] on July 18, 2016. This did not meet the minimum amount due of $86.99. On July 20, 2016 Mr. [redacted] was charged a late fee in the amount of $27.00. Please note that when the full monthly payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. We have not received a payment from Mr. [redacted] since July 18, 2016. This resulted in an additional late fee of $37.00 applied to his account on August 20, 2016. At this time Mr. [redacted]’s account has a past due amount of $86.00, and a total minimum due of $133.98 due by September 20, 2016. To make payment arrangements we ask that Mr. [redacted] contacts our Payment Department at ###-###-#### Monday through Friday 7:00AM-9:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because:There is a lof information that is incorrect. I sent in my first affidavit in 2015 as soon as it was sent to me. When I called to check on the status I was told it wasn't in the computer yet and that someone would be contacting me. Unfortunately I becameand continue to be very ill. I didn't contact anyone again until January 2016 about the affidavit because I became deathly ill. I informed them of all of this when I called. They wrrr contacted by me and I filled out the affidavit in 2015 appoximately 2 and a half months after it was supposed to get there which is when I was told by them to wait. I don't owe them the amont of money they are saying at all. This company is lying. The incompetence is at a level I have never seen. They swear that they have nothing I have sent them in writing and I don't care what they say I made payments that have to this day not been deducted. They conveniently don't have anything that proves I'm right. I want out of this account immediately for what I honestly owe.
Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter for our response as we have reached the 2,000...
max characters allowed. Sincerely, Vi [redacted]Executive Care Team VF/rg
I am rejecting this response because:
I have enclosed my paperwork showing that it stated that payment was not due until Feb 2017. payment was made in oct 2016. I again ask that the late charges be waived and the interest be updated and the credit reporting report current and updated. thank you,
We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review.
2016 ...⇄ #[redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] –[redacted], [redacted] I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Gettington Credit Account. In Mr. [redacted]’s inquiry he states he purchased a phone from Gettington in September and started having problems with the phone in November. When Mr. [redacted] contacted us he states he was advised the item could not be returned and he needed to work through the manufacturer to resolve the problems with the phone. Mr. [redacted] is requesting to have the phone replaced before he returns the defective phone since he cannot be without a phone due to a medical condition. Our records indicate Mr. [redacted] placed the order for the Boost Mobile Android Smartphone on September 13, 2016. Our return policy for mobile devices is listed on our website and is as follows: Returns are limited for Mobile Devices. Once shipped only defective or damaged devices can be exchanged for an identical device. Defective or damaged exchanges must be within 30 days of purchase. When Mr. [redacted] contacted us on December 2, 2016 via email advising us that he was experiencing issues with his phone, we advised him to contact LG at ###-###-#### as the phone has a 1 year limited manufacturers’ warranty. On December 6, 2016 Mr. [redacted] contacted us by phone and advised he needed a replacement phone before he returned the defective phone. The agent advised Mr. [redacted] we could not accept the return of the phone since it was outside our return timeframe for mobile devices. Mr. [redacted] requested to speak with a supervisor and on December 7, 2016 a supervisor attempted to contact Mr. [redacted] per his request as the phone number provided for the call back was invalid. The supervisor sent an email to Mr. [redacted] advising him to contact us. On December 12, 2016 and December 14, 2016 Mr. [redacted] contacted us again and was advised he could not return the phone due to being beyond our return policy timeframe. On December 16, 2016 a proof of purchase was sent to Mr. [redacted] per his request. Please understand, applying policies fairly and consistently to all customers is among our top priorities. We are unable to accept the return of the phone or to send an exchange due to our policy being applied the same for Mr. [redacted] as it would for any customer with similar circumstances. Since the item has a 1 year manufacturer’s warranty, Mr. [redacted] should contact LG for further assistance at ###-###-####. Thank you for allowing us to explain and assist. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION July 19, 2016 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry Mr. [redacted] filed with your office disputing the WebBank/Gettington Credit Account in his name. Mr. [redacted] states he notified the account is fraudulent and he filed a police report, however, a letter he received stated no information was found for the account. Mr. [redacted] requests removal of the account from his credit reporting. Otherwise, he would like the email address and phone number used to open the account, what was bought, the person it was shipped to, when it was received and if it was signed for at delivery, and the tracking information for the order(s). We take the privacy and protection of customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, please find attached the full response for the consumer to review. Vi [redacted]Executive Care TeamVF/ah
account was not in a current status after the three consecutive payments that were made the last being December 19,2017. According to the terms of the companies agreement my account should have reflected as current because all of my payments were made on time if not early. When I called on January 2,2018 the last payment had been made at least 10 days prior and my account was current. Fingerhut. Did not resolve their system to have it reflect the information until I filed this complaint. every month I made a payment and called about the balance that was still showing past due. Every month I was told I was fine the system will update the information after the payment was made. I still have not received a replacement part for this defective item. [redacted]
I am rejecting this response because:
This has not been removed from my credit report yet. This is not my doing, I'm a victim of identity theft, and did not apply for fingerhut account and did not give anyone else authority to apply
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me as long as I am being refunded for the chairs. thank you
CONFIDENTIAL COMMUNICATION July 18, 2016 Revdex.com of Minnesota ...
# [redacted] Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a promotion code she would like to use in relation to her WebBank/Fingerhut Advantage Account. Ms. [redacted] states she is unable to apply promotion coupon ‘NC466’ for $50.00 off a $200 or above order, for which she qualifies according to its advertising on the Fingerhut website for those who, like herself, are new customers. She states a representative she contacted via web chat service confirmed she was eligible to use the code and advised her to call customer service to apply it to her order. Ms. [redacted] wants a stronger assurance she will be given the coupon discount and wants to avoid a further “run around.” Our records confirm that the discount Ms. [redacted] refers to of ‘NC466’ is a valid promotional code with us. It is difficult to determine what exactly caused the code to be rejected when Ms. [redacted] applied it during the web checkout process, since it appears she met the eligibility requirements of placing an order totaling at least $200, applying for her account on the Fingerhut website, and placing her order before the code’s expiration date of June 30, 2016. On July 18, 2016, a customer service representative called Ms. [redacted] to assist her with the order and applying the discount. The representative spoke with a third party and left a message advising that Ms. [redacted] should call our Customer Service Department at ###-###-#### to place her order so that the discount could be applied. Ms. [redacted] should not encounter any difficulty when she calls customer service to place her order as her account is clearly noted that we will honor the ‘NC466’ promotional code. As a reminder, the order total must be a minimum of $200 before we can apply the $50 discount to it. We appreciate Ms. [redacted]’s ongoing patience and cooperation with us in working to resolve this matter. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
April 7, 2017 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Gettington credit account ending in [redacted]. We have included a statement of account activity and a copy of the Terms and Conditions. Mr. [redacted] states that he had an account with Gettington, paid the account in full and the account is still showing as derogatory on his credit report. Mr. [redacted]’s desired resolution is to have the account removed from his credit report. Our records indicate, on December 17, 2014, an application was processed over the internet using Mr. [redacted]’s personally identifiable information. On that same day, an order was placed online for a Huffy Spider-Man Lights & Sounds Trike, Fila Misses’ Shimmer Jacket, CHI Air Texture 1-1/2" Ceramic Curling Iron, RoseArt Magic Fun Dough Volcano Playset, MD Sports Tabletop Air Hockey Game, Fisher Price Dora the Explorer Backpack, Sesame Street Color ’n Play Giant Playhouse, and a Skyrocket SkyViper QuadCopter. The merchandise was shipped via UPS to the same address as on the application. We have received multiple payments on this account from a checking account ending in 1812 and a MasterCard debit card ending in 1598 both shown in the name of Nick [redacted]. The last payment, totaling $49.02, was received on September 30, 2015. As no further payments were received, the unpaid balance of $561.97 charged off on May 5, 2016 and the account was sold to Resurgent Capital Services on June 1, 2016. According to an account review completed on April 7, 2017 Experian and Trans Union are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero. Equifax is no longer reporting a trade line. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Mr. [redacted] has questions about what Resurgent Capital Services may be reporting, he may contact them directly at ###-###-####. ...⇄ Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
[redacted] CONFIDENTIAL COMMUNICATION April 11, 2016 Revdex.com of Minnesota Attn: [redacted] ...⇄ 220 S. River Ridge Circle Burnsville, MN 55337 Re: Mr. [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to a second inquiry received from your office on behalf Mr. [redacted] regarding a WebBank/Fingerhut credit account. Enclosed are a statement of account activity, credit application and Terms and Conditions. Mr. [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit report. Mr. [redacted] further states that there is inaccurate information being reported to the credit bureaus. Mr. [redacted]’s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit report. As stated our initial response, an application was processed online June 17, 2006 with Mr. [redacted]’ name, address and social security number. An order was placed online September 8, 2010 for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, 38. The merchandise was shipped September 9, 2010 via FedEx to [redacted] Wheatland, IN 47597. No payments were made on this account. The unpaid balance of $187.81 charged off on April 17, 2011 and the account was sold to Jefferson Capital Systems on August 2, 2012. Fingerhut is no longer collecting on this account. An account review on March 17, 2016 confirmed that Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance of zero. Nothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 2013. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]’ Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Mr. [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-####. As Mr. [redacted] continues to allege he has no knowledge of this account, we referred this matter to our Credit Risk Department for further review. As a result of their investigation, a police report is required in order to contact a full fraud investigation. To date, we have not received a completed police report regarding this matter. Mr. [redacted] may send the police report to the following address: Fingerhut Attn: Fraud Department [redacted] St. Cloud, MN 56303 Mr. [redacted] may also fax the police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account. If Mr. [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
CONFIDENTIAL COMMUNICATION January 12, 2017...
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut FreshStart Account. Ms. [redacted] indicates she placed an order for a zebra print chair and upon receiving it there was a cut in the fabric of the chair and the Styrofoam was leaking out into the box. Ms. [redacted] states she contacted Fingerhut to resolve the issue and was advised she could return the item with the shipping label that was provided within 30 days. Ms. [redacted] indicates the item was a gift. Ms. [redacted] is requesting expedited shipping on the exchange. Our records indicate Ms. [redacted] contacted us on December 27, 2016 and advised us the item was received damaged and requested a package to return the item in as she no longer had the original shipping carton. This item shipped directly to Ms. [redacted] for our vendor. Ms. [redacted] was advised we have no way of sending packing materials for her to return the item in and explained she could use a different box to return the item in. The agent also advised we were unable to do an exchange for the item because it is out of stock. We sincerely apologize for any inconvenience this may have caused. Once the return is received full credit will be issued for the chair. The credit will be reflected on her monthly statement within 1-2 billing cycles after the return is received. Ms. [redacted] should continue making payments according to her monthly billing statement for the item she is not returning. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
I am rejecting this response because:The business has offered no resolution or attempt to resolve.
CONFIDENTIAL COMMUNICATION January 17,...
2017 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he did not receive ordered merchandise from Fingerhut as it was delivered to an incorrect address. Mr. [redacted]’s desired outcome is to have the merchandise credited to his account. Our records indicate Mr. [redacted] purchased a Cra-Z-Art The Real 2-in-1 Ice Cream Maker, Cra-Z-Art Shimmer ’n Sparkle Salon-Style Manicure & Pedicure Set, Kurio Xtreme 2 7" Touch Screen 16GB Android Tablet - Blue, C15150M, and a HP Pavilion x2 10.1" HD Touch Screen 2GB Windows 10 2-in-1 Laptop/Tablet Computer - Silver, 10P010NR on October 15, 2016. On October 28, 2016 Mr. [redacted] contacted Fingerhut stating he did not receive the merchandise he ordered. The laptop/tablet was delivered on October 18, 2016, and all other items were delivered on October 25, 2016 to [redacted] Palmdale, CA 93552. Mr. [redacted] did receive an email response from us in which the first two digits of Mr. [redacted]’s house number were omitted in error from the delivery address. We apologize for that error. When a customer states they have not received ordered merchandise, Fingerhut has policies and procedures in place in order to conduct an investigation. On October 30, 2016, a legal affidavit was mailed to Mr. [redacted] for him to complete and return. It was also explained in this document due to the monetary value of the merchandise a police report would be required to investigate this matter further. We received the completed affidavit on November 14, 2016, however the requested police report was not included with this document. On December 12, 2016 Mr. [redacted] states he was unable to provide a police report. He was then informed he may supply the name of the agency, officer’s name, badge number, and the case number. Mr. [redacted] was able to provide an officer’s last name, the name of the agency and phone number, however this is not enough information for us to investigate. On January 17, 2017 an agent contacted the agency, but was unable to speak to an officer based on the information provided. As we understand the severity and urgency of this situation, Mr. [redacted] may call us to provide the officer’s name and badge number at ###-###-####. He may leave the information in a voicemail if needed. Alternatively, he can email the information to us by vising www.fingerhut.com/customerservice. Once we receive the requested information we will investigate this matter further. If Mr. [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
CONFIDENTIAL COMMUNICATION June 21, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] states although she made the payment on her account the late fee was not removed as promised. She also states Fingerhut does not communicate clearly and does not operate in a professional manner. Ms. [redacted] states she did not receive e-mails from Fingerhut stating her payment amount was going to change. As we have stated previously, each month Ms. [redacted]’s payment is due by the 3rd. On December 4, 2015 Ms. [redacted] set up recurring payments of $35.00 to be withdrawn each month on the 3rd. This schedule was setup online was to begin on January 3, 2016. On March 14, 2016 Ms. [redacted] purchased a Nintendo Wii U 32GB Console & Mario Kart 8 Deluxe Bundle for $420.98. As a customer’s balance increases the minimum amount due will also increase. As Ms. [redacted] would have seen on her statement printed and mailed to her on April 7, 2016 her minimum amount due increased to $46.99. This would have been the responsibility of Ms. [redacted] to ensure the correct minimum amount due was being paid each month. Ms. [redacted] addresses she did not receive notification of her balance increase. Again, it is the responsibility of our customers to keep their personal contact information updated for our records. Ms. [redacted]’s May payment of $35.00 did not satisfy the minimum amount due. This resulted in a $27.00 late fee on her account. As a onetime courtesy to Ms. [redacted] we have waived the $27.00 late fee on June 20, 2016. The customer must call us to increase the monthly recurring payments if the amount due has increased. Ms. [redacted] may contact us to set up recurring payments so her minimum payment will always be made or she may sign in to the account, located in the top center of the web page at www.fingerhut.com. Click on “My Account” at the top center of the webpage. Then click on “Payments” in the “My Account” page and follow the instructions. If Ms. [redacted] is unable to access her account online, please call our Customer Service Department at ###-###-####, Monday through Friday, 8 a.m. to 8 p.m. Central Time to make this change. At this time the current balance on Ms. [redacted]’s account is $725.63. A minimum payment of $46.99 is due by July 3, 2016. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION July 11, 2016...
r for her Fingerhut account with any correspondence or fax so we can locate her Fingerhut account. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry she states she has been using the same bank account to make her payments with us for the last three years. She indicates that for the last two months we have advised her that her bank reversed the payments she has made on her Fingerhut account. Ms. [redacted] also states that due to the issue with the payments, we are reporting her 60 days delinquent to the credit reporting agencies. Ms. [redacted] would like us to update the information being reported on her credit file. Our records indicate Ms. [redacted] called in to make a payment on May 2, 2016 in the amount of $17.00. When we attempted to present the payment to Ms. [redacted]’s financial institution, they returned the payment to us as “unable to locate account/no account.” Based on our research of Ms. [redacted]’s account we verified the routing number and at least the last four digits of her bank account number matched the information she previously provided to us and which had resulted in successful payments. On May 16, 2016 Ms. [redacted] attempted to make a payment of $25.98 using the same bank account information. This payment was also returned to us by Ms. [redacted]’s financial institution as “unable to locate account/no account.” On June 18, 2016 we received a payment by mail in the amount of $150.07 which paid Ms. [redacted]’s account in full. Her monthly billing statement printed on July 6, 2016 and reflects a zero balance on her account. Unfortunately, we do not know the specific reasons why Ms. [redacted]’s bank did not accept the payments. Occasionally financial institutions may change their routing number or make other changes to their information that can result in a payment being returned as “unable to locate account/no account.” If Ms. [redacted]’s bank was unable to locate her account with the information she provided, it is reasonably understandable that the financial institution would have no record of the payment attempt on her account. We strongly suggest that Ms. [redacted] contact her financial institution for further assistance regarding the concerns she has with the two payments that were returned. Additionally, if Ms. [redacted] can send us verification from her financial institution that there were no changes made to her account or to any of the bank routing numbers or banking information we will further investigate this situation. Ms. [redacted] may forward any pertinent information to Fingerhut Executive Care Team Attn: Becky [redacted] St. Cloud, MN. 56303 or to expedite she may fax it to ###-###-####. Ms. [redacted] should include her 10-digit c
CONFIDENTIAL COMMUNICATION September 20, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he would like to receive a refund for the chairs he had to additionally purchase with his patio set. As we have stated previously, Mr. [redacted] purchased an alcove Harper 5-pc. Patio Dining set on August 16, 2016. We received notification from Mr. [redacted] on August 25, 2016 he only received the table. At this time he was told the product was advertised in error and the price only included the table. He was then told he could return the item for full credit or Fingerhut would credit the price difference on the chairs. On September 6, 2016 Mr. [redacted] ordered an alcove Harper 4-pk. Patio Chair Set. The price difference, as discussed, of $46.65 was credited to his account. After further reviewing Mr. [redacted]’s account, as a courtesy we have credited the price of the alcove Harper 4-pk. Patio Chair Set to his account. He will be able to see this credit on his next statement. If Mr. [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: this is the same I heard from customer service. It was unacceptable then and its unacceptable now. When I first spoke to Haband in Feb 2018, the order from Dec 2017 had NOT been entered in my account. They...
couldn't find it and either did I. Once I spoke to someone the order surprisingly appeared. My first call was about returning the double shipment they sent. 1. I ordered 2 flannel shirts from a sale flyer you mailed to me. The answer is wrong the has been received . I ordered . A. RED & BLACK FLANNEL AND B. WHITE & BLACK FLANNEL. The records that have been entered ARE WRONG, INCLUDING THE PRICES. 2. I've been ordering things from both Haband and Blair for over 30 yrs. I know how the prices run and how the sales are sent. I don't have my order because it came in the mail separate from your catalog. I couldn't order it on line because of the SALE PRICE ON THE FLYER . So I filled out the little order form and mailed it in. 3. A month later I received a card asking me what colors did I order. I sent it back, RED/BLK, WHT/BLK. I guess they lost it because I received 2 more. When I did hear anything I called and I was told the hasn't processed yet. They didn't see it in the computer. I told him, once again what colors I wanted. 3. There is no wht flannel shirt as you say I ordered. That must be entered wrong too. I was told the only wht flannel is why/blk. So again the answer we received from the company is wrong, again. 4. Then I received the dress shirt and the wht/blk flannel shirt. A few days later I received another shippment, I assumed the red/blk. Nope, it was the same shirt. I called, they said to return it and they would ship out the right one, I cancelled that shirt. I was told also, I'd be credited for the return fee of $9.99, hence the first credit on my account. When I cancelled the red one, I was told it would be credited since I cancelled. She said $9.99 . I told her that wasn't the price and the credit would be to high. That's when I found out they PUT THE WRONG PRICE IN THE COMPUTER. 5. This order was screwed up from day one. The only reason I ordered was the price was good . The dress shirt is $8.97, the flannel is $5.97. I didn't pull these numbers out of the air, check your clearance flyers from Dec. You must have a record of what you mailed. 6. At this point I'm disgusted. Either the company honor their sale flyer or, I will return the 2 shirts I wanted. WITH NO RETURN FEE . My belief is the people that handle the orders need more training, they make to many mistakes.
CONFIDENTIAL COMMUNICATION August 30,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he was told a $37.00 late fee would be removed from his account. He states he was told as a courtesy Fingerhut would waive a late fee every 12 months being he has never had a late fee. Mr. [redacted] states a late fee of $6.99 was waived. His desired resolution is to have his balance adjusted and be credited for two months due to poor customer service. We were able to locate the chat transcript Mr. [redacted] had with a representative on July 17, 2016. During this conversation the representative correctly advised Ms. [redacted] we would waive the $6.99 late fee assessed on June 20, 2016 as a one-time exception. We have no record of Mr. [redacted] being told we would waive more than the $6.99 late fee. Upon opening an account with Fingerhut, Mr. [redacted] agreed to the terms and conditions. Within these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of up to $27.00. The maximum amount will increase to $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles.” We received a payment in the amount of $6.99 from Mr. [redacted] on July 18, 2016. This did not meet the minimum amount due of $86.99. On July 20, 2016 Mr. [redacted] was charged a late fee in the amount of $27.00. Please note that when the full monthly payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. We have not received a payment from Mr. [redacted] since July 18, 2016. This resulted in an additional late fee of $37.00 applied to his account on August 20, 2016. At this time Mr. [redacted]’s account has a past due amount of $86.00, and a total minimum due of $133.98 due by September 20, 2016. To make payment arrangements we ask that Mr. [redacted] contacts our Payment Department at ###-###-#### Monday through Friday 7:00AM-9:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because:There is a lof information that is incorrect. I sent in my first affidavit in 2015 as soon as it was sent to me. When I called to check on the status I was told it wasn't in the computer yet and that someone would be contacting me. Unfortunately I becameand continue to be very ill. I didn't contact anyone again until January 2016 about the affidavit because I became deathly ill. I informed them of all of this when I called. They wrrr contacted by me and I filled out the affidavit in 2015 appoximately 2 and a half months after it was supposed to get there which is when I was told by them to wait. I don't owe them the amont of money they are saying at all. This company is lying. The incompetence is at a level I have never seen. They swear that they have nothing I have sent them in writing and I don't care what they say I made payments that have to this day not been deducted. They conveniently don't have anything that proves I'm right. I want out of this account immediately for what I honestly owe.
Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Please see attached letter for our response as we have reached the 2,000...
max characters allowed. Sincerely, Vi [redacted]Executive Care Team VF/rg
I am rejecting this response because:
I have enclosed my paperwork showing that it stated that payment was not due until Feb 2017. payment was made in oct 2016. I again ask that the late charges be waived and the interest be updated and the credit reporting report current and updated. thank you,
We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review.
CONFIDENTIAL COMMUNICATION December 27,...
2016 ...⇄ #[redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] –[redacted], [redacted] I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Gettington Credit Account. In Mr. [redacted]’s inquiry he states he purchased a phone from Gettington in September and started having problems with the phone in November. When Mr. [redacted] contacted us he states he was advised the item could not be returned and he needed to work through the manufacturer to resolve the problems with the phone. Mr. [redacted] is requesting to have the phone replaced before he returns the defective phone since he cannot be without a phone due to a medical condition. Our records indicate Mr. [redacted] placed the order for the Boost Mobile Android Smartphone on September 13, 2016. Our return policy for mobile devices is listed on our website and is as follows: Returns are limited for Mobile Devices. Once shipped only defective or damaged devices can be exchanged for an identical device. Defective or damaged exchanges must be within 30 days of purchase. When Mr. [redacted] contacted us on December 2, 2016 via email advising us that he was experiencing issues with his phone, we advised him to contact LG at ###-###-#### as the phone has a 1 year limited manufacturers’ warranty. On December 6, 2016 Mr. [redacted] contacted us by phone and advised he needed a replacement phone before he returned the defective phone. The agent advised Mr. [redacted] we could not accept the return of the phone since it was outside our return timeframe for mobile devices. Mr. [redacted] requested to speak with a supervisor and on December 7, 2016 a supervisor attempted to contact Mr. [redacted] per his request as the phone number provided for the call back was invalid. The supervisor sent an email to Mr. [redacted] advising him to contact us. On December 12, 2016 and December 14, 2016 Mr. [redacted] contacted us again and was advised he could not return the phone due to being beyond our return policy timeframe. On December 16, 2016 a proof of purchase was sent to Mr. [redacted] per his request. Please understand, applying policies fairly and consistently to all customers is among our top priorities. We are unable to accept the return of the phone or to send an exchange due to our policy being applied the same for Mr. [redacted] as it would for any customer with similar circumstances. Since the item has a 1 year manufacturer’s warranty, Mr. [redacted] should contact LG for further assistance at ###-###-####. Thank you for allowing us to explain and assist. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION July 19, 2016 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry Mr. [redacted] filed with your office disputing the WebBank/Gettington Credit Account in his name. Mr. [redacted] states he notified the account is fraudulent and he filed a police report, however, a letter he received stated no information was found for the account. Mr. [redacted] requests removal of the account from his credit reporting. Otherwise, he would like the email address and phone number used to open the account, what was bought, the person it was shipped to, when it was received and if it was signed for at delivery, and the tracking information for the order(s). We take the privacy and protection of customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, please find attached the full response for the consumer to review. Vi [redacted]Executive Care TeamVF/ah
I am rejecting this response because:
My...
account was not in a current status after the three consecutive payments that were made the last being December 19,2017. According to the terms of the companies agreement my account should have reflected as current because all of my payments were made on time if not early. When I called on January 2,2018 the last payment had been made at least 10 days prior and my account was current. Fingerhut. Did not resolve their system to have it reflect the information until I filed this complaint. every month I made a payment and called about the balance that was still showing past due. Every month I was told I was fine the system will update the information after the payment was made. I still have not received a replacement part for this defective item. [redacted]
I am rejecting this response because:
This has not been removed from my credit report yet. This is not my doing, I'm a victim of identity theft, and did not apply for fingerhut account and did not give anyone else authority to apply
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me as long as I am being refunded for the chairs. thank you